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Home Equity Loan / Home Equity Line of Credit Offer

No application fees and no closing costs.

Whether you need extra funds for home improvement repairs, tuition, travel, debt consolidation, or to cover unexpected bills, we’d like to help you.

If you’re a qualified homeowner...

This could be the perfect time to borrow against the equity in your home. At First Northern Bank and Trust, we offer Home Equity Loans and Home Equity Lines of Credit.


For more information, visit any branch location, call 1-800-344-2274 to speak with a Customer Service Representative, or inquire online right now.


fill out an inquiry form



Loans over $75,000 or loans requiring a full appraisal will be subject to the applicable appraisal fee. Minimum new loan of $10,000 or an increase of $10,000 for an existing FNB&T Co. loan is required. Automatic payments from a FNB&T Co. account is required. Borrowers are responsible for any applicable insurance coverage. 1-4 unit primary residence properties only. Offer good for applications received from January 13, 2025 to February 21, 2025. Subject to credit approval.